Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent and non-destructive, so the safety profile is covered. The description adds genuinely new context: it takes no arguments, kind/prompt merely pre-fill, and the tool returns only a short summary to the agent while the home is rendered for the person — a non-obvious behavior worth stating.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.